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PrinsBank

$100M-$1B Specialty: Commercial MN FDIC cert 10191

Prinsburg, MN

4 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +43.7% year over year ($262.9M on the books).
  • Delinquency rate 0.31%.
  • Return on assets 2.99%.
  • Efficiency ratio 56.23% vs a 64.48% peer average.
  • Loan-to-deposit ratio 68.02% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

PrinsBank has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 0.1% in tier
  • + Revenue Diversifier: Top 28.6% in tier
  • + Net Interest Margin 0.43% above tier average
  • + Efficiency Ratio 8.25% below tier average
  • + Delinquency Rate 0.61% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 60.5% in tier
Get updates when PrinsBank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $308.3M
+39.3% YoY +4.1% QoQ
-$78.3M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
47%
Total Loans ? $178.8M
+50.2% YoY +3.4% QoQ
-$79.5M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
43%
Total Deposits ? $262.9M
+43.7% YoY +2.7% QoQ
-$63.9M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
48%
Return on Assets ? 2.99%
+55.3% YoY +84.3% QoQ
+1.67% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
Top 2.0% in tier
Net Interest Margin ? 4.42%
+2.4% YoY -3.8% QoQ
+0.43% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
76%
Efficiency Ratio ? 56.23%
-6.8% YoY +5.3% QoQ
-8.25% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
69%
Delinquency Rate ? 0.31%
-87.0% YoY -78.3% QoQ
-0.61% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
57%
Loan-to-Deposit Ratio ? 68.02%
+4.5% YoY +0.6% QoQ
-9.93% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
72%
Non-Interest-Bearing Deposit Share ? 19.95%
-14.9% YoY +4.7% QoQ
-2.08% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
45%
Nonperforming Asset Ratio ? 0.18%
-85.9% YoY -78.5% QoQ
-0.49% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
62%
Tier 1 Capital Ratio ? 17.59%
-23.9% YoY +5.4% QoQ
+1.68% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
79%
Non-Interest Income / Assets ? 0.37%
-62.7% YoY +84.8% QoQ
-0.20% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
82%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 20.0%
-3.5pp YoY
+0.9pp QoQ
 -2.2pp 22.1% 21.9% 22.2% 45%
Brokered Deposits n/a n/a 7.9% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 8.9%
-0.1pp YoY
+0.1pp QoQ
 -2.6pp 11.6% 14.6% 12.5% 46%
CRE 73.2%
-2.0pp QoQ
 +33.7pp 39.5% 36.5% 41.4% 95%
1-4 Family 9.2%
+5.8pp YoY
-0.5pp QoQ
 -23.4pp 32.6% 29.4% 31.3% 10%
Consumer 0.9%
-0.6pp YoY
-0.1pp QoQ
 -3.2pp 4.1% 4.5% 5.0% 26%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 17.6%
-5.5pp YoY
+0.9pp QoQ
 -1.2pp 18.8% 16.5% 19.7% 67%
Leverage Ratio 12.0%
-3.3pp YoY
+1.2pp QoQ
 -0.2pp 12.2% 11.0% 12.6% 65%
Total Capital Ratio 18.9%
-5.6pp YoY
+0.9pp QoQ
 -1.0pp 19.9% 17.6% 20.8% 68%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 32
+10 (+45.5%) YoY
0 QoQ
 -27 58 55 482 30%
Assets per Employee ($) $9.6M
-4.2% YoY
+4.1% QoQ
 +$2.1M $7.5M $8.6M $8.8M 84%
Branch Count 4
+2 (+100.0%) YoY
0 QoQ
 -1 4 4 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-1.8pp YoY
-1.4pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 25%
Nonaccrual 0.3%
-0.3pp YoY
 -0.6pp 0.9% 1.0% 1.0% 37%
Allowance Coverage 18.72x
+340.8% YoY
+256.3% QoQ
 -5.44x 24.15x 20.41x 20.23x 88%
Net Charge-off Rate (YTD) 0.2%
+1.2pp YoY
+0.5pp QoQ
 0.0pp 0.1% 0.2% 0.2% 85%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 25.2%
+12.4pp YoY
+11.3pp QoQ
 +13.0pp 12.2% 13.1% 11.6% 96%
Cost of Funds (YTD) 1.9%
-0.4pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.7% 1.7% 66%
Net Income ($, YTD) $4.5M
+118.0% YoY
— QoQ
 +$2.0M $2.6M $4.5M $40.4M 84%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth
#1 of 661 • Top 0.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.99%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Revenue Diversifier

growth
#190 of 661 • Top 28.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.37%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.99%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

NIB Deposit Bleed

decline
#99 of 162 • Bottom 60.5% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 19.95%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

54
Return on Assets
profitability
Value: 2.99%
Peer Median: 1.32%
#54 of 2643 Top 2.0% in $100M-$1B
489
Non-Interest Income / Assets
revenue_mix
Value: 0.37%
Peer Median: 0.57%
#489 of 2643 Top 18.5% in $100M-$1B
545
Tier 1 Capital Ratio
capital
Value: 17.59%
Peer Median: 15.91%
#545 of 2643 Top 20.6% in $100M-$1B
638
Net Interest Margin
profitability
Value: 4.42%
Peer Median: 3.99%
#638 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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